|
|
Different Types of Health Insurance Explained
Health is the biggest and most crucial asset of every living
being. An unhealthy animal and individual can never truly
experience any joy. It is the wealth of health that provides the
requisite potential to topple over all odds and to move...
Insurance Industry Leaders Discuss Trends And The Effects Of Hurricane Katrina
Hurricane Katrina has affected the insurance industry dramatically. At a recent conference, several industry leaders discussed trends in the market, recruitment of new agents, the devastating effects of Katrina, and the insurance industry's duties...
Is There Any Such Thing As Affordable Life Insurance?
Do you need affordable term life insurance? This seems to be the million-dollar question. When you want to purchase life insurance you often do not know how much you need or if there is such a thing as having too much life insurance. What...
Save Money On Auto Insurance For Your Teen Son
Your son has just obtained his license and with that a new found sense of freedom. Now you ask how to get cheap auto insurance for my son ? Car insurances can vary dramatically in price so read on to learn how to buy car insurance that is...
What Is Health Insurance?
Health insurance is simply protection of the person or group insured against financial loss from illness or injury. Can you live without it? Probably. Should you? The answer depends upon whom you ask.
Like other forms of insurance, you don't need...
|
|
|
|
|
|
|
|
How Much is In-store 'Insurance' costing You?
REPRINT GUIDELINES: Please feel free to reprint this article in your ezine or on your site, as long as you leave all links in place and include the resource box as listed above. A quick email to inform me would also be appreciated. Thanks.
TITLE: How Much is In-store 'Insurance' costing You?
AUTHOR: Colin Mc Caig
EMAIL: mailto:colin@cmcaig.com
AUTORESPONDER: mailto:warranties@demandmail.com
WORD COUNT: 475
KEY WORDS: Extended warranties, bad deal, shop around
DESCRIPTION: Extended warranties may seem a great deal, but frequently turn out to be a costly luxury.
'How Much is In-store "insurance" Costing You?'
by Colin mc Caig
I saw it coming, but many of us still don't.
No sooner had I handed my card over to pay for my new DVD, than I was hit with that famous question that meets the unwary at the point of sale...
'Would Sir care to insure his purchase against breakage...'
It's a fact that high-street outlets still sell millions of this 'insurance' each year.
Unfortunately, for Joe Public, though, they're rarely worth the paper they're written on.
Indeed, in the majority of cases, it's generally cheaper to pay for breakage as you go, particularly as many extended warranties can come to more than *half* the cost of your actual purchase.
Add to this, that we live in a competitive world with goods bought today far more reliable than 10-20 years ago, you really have to question who's getting the best deal here.
In fact, I can still think of a cheap video recorder I bought 4 years ago. It came with a 1-year guarantee and it's still going strong today.
So how do you make sure you're not caught out?
Well, here are a few pointers:
1. Don't fall for the standard 'hard sell' techniques until you have all the facts up front. These are frequently employed to foist unwanted warranties on the unwary.
2. How open is the retailer about the cost of their insurance? Is the cost of the
warranty displayed alongside the goods?
3. Does the warranty include a 1-2 month money-back guarantee if you don't make a claim in that period? And after this, would you be entitled to a pro rata refund?
4. Is there an information booklet explaining your statutory rights? This should state that you have the right to cancel and that warranties are available elsewhere.
On that last point, did you know that warranties bought in-store can be up to 40% more expensive than those available from other insurers and outlets?
And if you're a credit card holder, many cards now cover your goods for a year beyond the retailer's offer.
Mmm...suddenly that 'insurance' isn't looking so great a deal after all.
So, next time, don't feel pushed into an immediate decision.
One final tip: If you have cash to pay, then why not make the sales assistant work for the sale? You'll often find their commission has already been 'priced in' to the item they're trying to sell you.
Haggling is common practice in many countries, so don't feel embarrassed! You'll find many stores prepared to do so to win business - particularly if surrounded by a lot of competitors!
So, There you have it...the next time you go shopping for that new washing machine, try shopping around a little first. That way, you can stop your 'insurance' becoming a costly luxury.
© 2004 Colin Mc Caig
RESOURCE BOX: ============================================================ Want to know how some beat the debt trap and master their money with ease? You can find out by grabbing Colin's 'Debt-Busting Secrets' mini-course. Send a blank email to: =======>>>> mailto:colind@demandmail.com ============================================================
About the Author
Want to know how some beat the debt trap and master their money with ease? You can find out by grabbing Colin's 'Debt-Busting Secrets' mini-course. Send a blank email to: =======>>>> mailto:colind@demandmail.com
|
|
|
|
|
Insure.com Car Insurance Quotes, Term Life Insurance Quotes, Auto ... |
Insure.com provides instant online car insurance quotes, term life insurance quotes, auto insurance quotes, health insurance quotes, home insurance quotes, ... |
www.insure.com |
  |
Insurance Information Institute (III) |
Attempts to improve public understanding of insurance -- what it does and how it works. The site is subdivided into sections for "Individuals" (consumer ... |
www.iii.org |
  |
State Farm Insurance Companies |
Provider of auto, health, home and life insurance. Get quotes and agents listings. National headquarters. |
www.statefarm.com |
  |
Allstate - Official Site - Auto Insurance, Home Insurance ... |
Offers insurance for autos, homes, property, life, mortgage protection, and business. Site includes many useful calculators and tools, an agent locator, ... |
www.allstate.com |
  |
Progressive Auto Insurance - Car Insurance Quotes Plus Boat, RV ... |
Provides instant online auto insurance quotes, insurance rate comparisons. Offers motorcycle, RV, boat, or car insurance. Purchase insurance online. |
www.progressive.com |
  |
Insurance - Wikipedia, the free encyclopedia |
It cannot put the insurance company in financial jeopardy. ... If the insured does not perform then the insurance company does not have to perform. ... |
en.wikipedia.org |
  |
Cheap annual travel insurance | single trip holiday insurance quotes |
Cheap quotes for annual travel insurance and single trip holiday insurance online with moneysupermarket.com. Over 450 policies compared in seconds... |
www.moneysupermarket.com |
  |
California Department of Insurance |
Works to foster an insurance market that is fair, competitive and accessible to all Californians. Site designed to assist consumers, aid in the licensing of ... |
www.insurance.ca.gov |
  |
Insurance: Car, Auto, Life, Home, Business and Investment Services ... |
Nationwide offers insurance and services including: car insurance, auto insurance home owner insurance, business insurance as well as investment services. |
www.nationwide.com |
  |
GEICO Car Insurance. Get an auto insurance quote and save today ... |
Offers auto and motorcycle insurance. Request quotes online or by phone. File claims online. |
www.geico.com |
  |
Insurance Center - Yahoo! Finance - Find the Right Insurance for ... |
Insurance Center - Protect and insure your assets with comprehensive resources about auto, home, health and life insurance. |
insurance.yahoo.com |
  |
Compare Auto Insurance Quotes from Top Auto Insurance Companies |
America's #1 online insurance agency. Compare instant auto insurance quotes, car insurance quotes, life insurance quotes, home insurance quotes, ... |
www.insurance.com |
  |
Car Insurance, Home Insurance, Travel Insurance, Life Insurance UK |
Provide travel, home contents and car insurance for professionals, graduates and students. |
www.endsleigh.co.uk |
  |
Home Insurance Quotes, Car Insurance Quotes - Lloyds TSB Insurance |
Home Insurance Quote, Car Insurance Quotes, cheap Travel Insurance, Pet Insurance, Business Insurance. Up to 15% discount for buying insurance online. |
www.insurance.co.uk |
  |
Car insurance, Home insurance, Life insurance & more - Direct Line |
Direct Line offer car insurance, home insurance, life insurance, travel insurance, mortgages, personal loans,breakdown cover and much more! |
www.directline.com |
  |
PA Department of Insurance |
State regulatory authority. Site provides information for consumers, producers, and the insurance companies themselves. |
www.ins.state.pa.us |
  |
Texas Department of Insurance |
Regulates the state's insurance industry, encouraging competition to make insurance available and affordable. [some content available in Spanish] |
www.tdi.state.tx.us |
  |
Life Insurance (U.S. Department of Veterans Affairs) |
Informationa about all Life Insurance programs administered and supervised by VA. |
www.insurance.va.gov |
  |
Insurance for Canada and the United States by RBC Insurance |
Specializes in life, health, travel insurance, and annuities for middle income families in Canada and the United States. Site offers individual, family, ... |
www.rbcinsurance.com |
  |
Free Auto, Health, Life and Homeowners Insurance Quotes - MSN Money |
Get free auto, health, life and homeowners insurance quotes from top insurance companies in the country. Find the latest news and information related to ... |
moneycentral.msn.com |
  |
|